Q: What does a medical card cover?
A: A typical coverage consists of all pre- and post-hospitalizations, outpatient and emergency treatments. Depending on how the product is packaged, you should be receiving basic coverages such as:
- Room & Board
- Intensive Care Unit
- Surgical Fees
- Anesthetics Fees
- Operating Theatre
- In-hospital Physician Visit
- Hospital Supplies and Services
- Day Surgery
- Pre-hospitalization consultation and diagnostic
- Post-hospitalization treatment
- Outpatient treatments (Cancer, Dengue, Kidney Dialysis, Stroke, etc)
- Ambulance Fee
- Accidental Death / Accidental Permanent Disablement
- Emergency Accidental Injury
Q: What is ‘No-claim Bonus’?
A: A No-claim Bonus is a loyalty reward credited to you if you have not made any claim in the current or previous policy year. This bonus can come in the forms of cash reward or premium discounts or any other enhancements.
Q: What is Family Discount?
A: It’s a reduction in premium of policyholders who are covering additional members, usually more than two.
Q: What is ‘switching’?
A: ‘Switching’ happens when you decided to move from your current medical card insurance provider to another, subject to terms and conditions.
Q: Is there a Service Tax?
A: Yes, a Service Tax of 6% is applicable to the insurance premium.
Q: What if my original policy is lost?
A: Your medical card insurer will issue a duplicate policy according to their procedure. Usually, there will be an extra charge for the copy.
Q: Who are considered as ‘dependents’?
A: Individual who depends on the primary policyholder (spouse, children and parents) are considered as dependents. In general, children are considered as dependents up to the age of 18 years old or 23 years old (if they’re studying). Dependent children can only be covered under the same plan as their parents’.
Q: What are Exclusions?
A: Exclusions are illnesses or medical conditions that are not covered by a medical card. When you claim for any of the events under Exclusions, it will be denied by the insurer.
Q: What is Specified Illness?
A: Specified Illness are illnesses or disabilities that come with related complications.
Q: What are Pre-existing Conditions?
A: This is a condition or illness that you have experienced prior to applying for a medical card. Usually, the insurance provider will not cover for pre-existing conditions. You are encouraged to get a medical card before you develop any health conditions to enjoy its full benefits.
Q: Is Guaranteed Renewability important?
A: A rider medical card does not require a renewal and its premium is always guaranteed. Meaning, you will pay the same premium amount every month or year even though your age band increases.
If you purchase or renew a standalone medical card, you renewable is not always guaranteed. There are several risks insurance companies look into before agreeing to your renewal, such as age, pre-existing conditions, previous claim, occupation and many more.